Garrard County property record for 305 Oak Dr, Lancaster, KY 40444
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba |
| Lot Size | 1.3 acres (56,664 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $96,000 (Oct 2008) |
| Tax Bill | $1,749 (2025) |
| Deeds & Mortgages | Jul 2009 Mortgage Oct 2008 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18B-03-007 |
| Primary APN | 18B-03-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 56,664 sqft (1.3 acres) |
| Garage Type | Attached |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 13366 |
|---|---|
| Street Address | 305 OAK DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-7720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 305 OAK DR |
| Legal Subdivision | WHISPERING HILLS EST |
| Legal Lot Number | 19 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 970102 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 305 OAK DR, LANCASTER, KY 40444-7720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2009 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Oct 16, 2008 | Special Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH CREDIT UNION INC |
| Sep 21, 2005 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2008 · Amount on Record |
| Deed Sale | Oct 16, 2008 · Amount on Record |
| Deed Book / Page | 251 / 754 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 305 OAK DR, LANCASTER, KY 40444-7720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M293/374 |
|---|---|
| Date | Jul 10, 2009 |
| Book Page | M293/374 |
| Instrument | 100161 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Address | PIKEVILLE, KY 41501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2039 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Oct 16, 2008 |
| Property Address | 305 OAK DR, LANCASTER, KY 40444-7720 |
| Document Number | 000251/754 |
| Book / Page | 251 / 754 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 00M287/413 |
|---|---|
| Date | Oct 16, 2008 |
| Book Page | M287/413 |
| Instrument | 97218 |
| Name | COMMONWEALTH CREDIT UNION INC |
|---|---|
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 21, 2005 |
| Property Address | 305 OAK DR, LANCASTER, KY 40444-7720 |
| Document Number | 000234/404 |
| Book / Page | 234 / 404 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 OAK DR, LANCASTER, KY 40444-7720 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,000 (-) Land $30,000 Building $140,000 | $170,000 (-) Land $30,000 Building $140,000 | |
| 2025 | $1,749.00 (-0.51%) | $170,000 (-) Land $30,000 Building $140,000 | $170,000 (-) Land $30,000 Building $140,000 |
| 2024 | $1,758.00 (+27.11%) | $170,000 (+30.77%) Land $30,000 Building $140,000 | $170,000 (+30.77%) Land $30,000 Building $140,000 |
| 2023 | $1,383.00 (-0.93%) | $130,000 (-) Land $30,000 Building $100,000 | $130,000 (-) Land $30,000 Building $100,000 |
| 2022 | $1,396.00 | $130,000 Land $30,000 Building $100,000 | $130,000 Land $30,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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